Calgary head office · Funding up to $1,000,000 · New or used
Loans and leases for heavy equipment, trucks and restaurant kitchens, new or used, arranged from our head office in Calgary.
$1,967/month over 48 months
CBL funds up to $1,000,000
Example only, not a quote. The lease example includes a 10% buyout at the end of the term. Your rate depends on credit, time in business and the equipment.
Continue to applicationThe short answer
CBL Financial arranges equipment loans and leases for Calgary businesses from our head office on Manilla Rd SE. We finance heavy and construction equipment, trucks and trailers, and restaurant kitchens, new or used, from a dealer, an auction or a private seller. We prepare one application and present it to the lenders best suited to your equipment and credit, so you can compare offers before you decide.
At a glance
CBL Financial is an equipment financing brokerage in Calgary, Alberta, that arranges equipment loans and leases for businesses across Canada. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day for straightforward files.
| What it is | Equipment loans and leases, arranged through a lender network |
|---|---|
| Funding | Up to $1,000,000 |
| Terms | 24 to 72 months |
| Approval time | Same day possible for straightforward files |
| Where | Businesses across Canada, from a head office in Calgary, AB |
| Equipment | Excavators, Skid steers & loaders, Dozers & graders, Dump trucks, Semi trucks & trailers, Forklifts, Commercial kitchen equipment |
| Sellers | New or used, from a dealer, auction or private seller |
| Rate and down payment | Set by the lender for each file, based on credit, the asset and its age |
We arrange loans and leases for excavators, skid steers and loaders, dozers and graders, compaction equipment and attachments, plus dump trucks, semi-trucks and trailers. The equipment can come from a dealer, an auction or a private seller, and older or high-hour units are considered. Lenders look for a verifiable serial number and reasonable remaining life.
Construction work slows down in winter. Where the lender offers it, we set up seasonal payments with skipped or reduced winter months, so the payments follow your work. If you are buying at auction, we can arrange pre-approval before you bid, so funding is ready once the hammer falls. See construction equipment financing for more on seasonal structures, or used equipment leasing for auction and private-sale purchases.
We finance commercial ovens and ranges, walk-ins and refrigeration, espresso machines, dishwashing systems and full kitchen fit-outs for restaurants, bars and cafés. When a replacement can't wait, urgent files are prioritized and approvals can come the same day. For a renovation, a working capital loan can cover the period when the doors are closed. See restaurant equipment financing for the details.
An equipment lease gives you the equipment for a fixed monthly payment and keeps cash free for payroll and materials. At the end of the term you can buy the equipment for a pre-set amount, upgrade to newer equipment or return it. An equipment loan makes the asset yours from day one, and you build equity with every payment. Lease payments are often lower, while a loan suits equipment you plan to keep for years. Your accountant can confirm the tax treatment for either.
Businesses with monthly revenue over $15,000 can apply for a working capital loan to cover payroll, inventory, materials or a slow season, repaid from incoming revenue. If your customers pay on 30 to 60 day terms, invoice factoring turns those unpaid invoices into cash now. Our guide to applying for working capital in Calgary covers what lenders check and which documents to gather.
Our head office is at 4620 Manilla Rd SE, Calgary, AB T2G 4B7. Call the local line at 587-705-1777, toll-free at 877-522-2498, or email info@cblf.ca. When you're ready, apply online in one sitting. Approvals can come the same day for straightforward files, with funding in as little as 48 hours.
Why CBL
We prepare your file once and present it to the lenders best suited to your industry, equipment and credit profile, so you can compare more than one offer.
Dealer, auction house or a private seller. If the equipment can be verified, we can work on structuring the lease or loan.
Seasonal schedules, skip payments and step-up structures, where the lender offers them, so payments follow how your business earns.
CBL Financial is based in Calgary and serves businesses in every province. Call the local line, 587-705-1777, to talk to a person.
Our partners
Banks, credit unions and specialty lenders across Canada. We match your file to the ones that fit it.
How it works
A short application covers the equipment, the seller and the approximate price.
Your file goes to the lenders best matched to your industry, asset and credit profile.
Approvals can come the same day. The seller is paid directly and the equipment goes to work.
Eligibility
Requirements vary by program. Not sure you qualify? Apply and a person at CBL will review your file.
FAQ
Leasing usually suits businesses that put cash flow and flexibility first, while a loan suits businesses planning to own the equipment long term. Lease payments are often lower, and end-of-term options let you upgrade or buy. A loan builds equity and lets you depreciate the asset. We can lay out both structures side by side so you can compare real numbers before deciding.
Yes, whether you are buying from a dealer, a private seller or at auction. Lenders look for a verifiable serial number, no outstanding liens and a supportable value.
You agree on a price with the seller, we arrange the financing, and the lender pays the seller directly. Before funding, the lender will usually check for existing liens, confirm the value and, where needed, ask for an inspection. From there, you make your payments to the lender.
There is no single cutoff, but many lenders prefer that the equipment’s age plus the financing term stay within a set limit. Exceptions are common for well-maintained equipment with service records. Send us the details before ruling anything out.
You may still qualify, though challenged credit usually changes the structure of the deal, for example a larger first payment or additional security. As a broker, we can take your file to other lenders when one says no.
Equipment
Financing for mini, midi and full-size excavators, new or used, from dealers, auctions or private sellers, for contractors across Canada.
Skid steer and compact track loader financing, new or used, with the attachments that make the machine earn, for contractors, landscapers and farms.
Dump truck financing for tandems, tri-axles and off-road units, new or used, from dealers, auctions or private sellers across Canada.
Highway tractor and day-cab financing for owner-operators and fleets, new or used, dealer or private sale, paired with factoring when shippers pay slowly.
Dry van, reefer and flatbed trailer financing, new or used, single units or full sets, for carriers and owner-operators across Canada.
Financing for commercial kitchens, refrigeration and full fit-outs, planned builds or emergency replacements, through lenders who work with restaurants.
Industries
Excavators, dozers, skid steers and attachments, with seasonal structures.
Semi trucks, trailers, dump trucks and fleet financing.
Kitchen equipment, refrigeration and front-of-house fit-outs.
Service equipment, vac trucks, compression and energy services fleets.
Tractors, implements and grain handling, with payments timed to harvest.
CNC, fabrication, packaging and production-line equipment.
Start your application
Apply in one sitting. Approvals can come the same day. Questions? Call 877-522-2498.
Start your application
